Middlesex County and North Reading Town property record for 496 Park St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,270 sqft · built 1955 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $619,900 (Nov 2019) |
| Tax Bill | $9,765 (2026) |
| Deeds & Mortgages | Dec 2020 Refinance Dec 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:04-P:015 |
| Primary APN | M:04-P:015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,270 sqft Living Area |
| Gross Area | 1,310 sqft |
| 1st Floor Area | 702 sqft |
| Basement Area | 1,272 sqft |
| Unfinished Basement | 1,272 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 496 PARK ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 15.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 330202 |
496 Park St is owned and occupied by an individual who bought it in November 2019.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 496 PARK ST, NORTH READING, MA 01864-2037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO |
| Dec 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO |
| Nov 20, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHERN BANK & TRUST CO |
| Sep 11, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2019 · Amount on File |
| Deed Sale | Nov 20, 2019 · Amount on File |
| Prior Sale | Aug 7, 2013 · Amount on File |
| Deed Document Number | 2019182534 |
| Deed Book / Page | 73686 / 282 |
| Prior Transfer Date | Oct 10, 2019 |
| Prior Transfer Doc | 0033578-95 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILMINGTON MA |
| Property Address | 496 PARK ST, NORTH READING, MA 01864-2037 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34989-254 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 34989/254 |
| Instrument | 62112 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 496 PARK ST, NORTH READING, MA 01864-2037 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76303-78 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 76303/78 |
| Instrument | 226278 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Nov 20, 2019 |
| Property Address | 496 PARK ST, NORTH READING, MA 01864-2037 |
| Document Number | 73686-282 |
| Book / Page | 73686 / 282 |
| Instrument Date | Oct 10, 2019 |
| Instrument | 182534 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 496 PARK ST, NORTH READING, MA 01864-2037 |
| Document Number | 182535 |
|---|---|
| Date | Nov 20, 2019 |
| Instrument | 182535 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 496 PARK ST, NORTH READING, MA 01864-2037 |
| Document Number | 73340-538 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 496 PARK ST NORTH READING MA 018642037, NORTH READING, MA 01864-2037 |
| Document Number | 73340-538 |
|---|---|
| Date | Sep 25, 2019 |
| Book Page | 073340/000538 |
| Instrument | 146112 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 496 Park St was $9,765, down 3.6% from the year before.
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,765.00 (-3.59%) | $750,000 (-3.3%) Land $387,300 Building $362,700 | $843,724 |
| 2025 | $10,129.00 (+3.2%) | $775,600 (+4.39%) Land $372,300 Building $403,300 | |
| 2024 | $9,815.00 (+5.55%) | $743,000 (+11.78%) Land $351,300 Building $391,700 | |
| 2023 | $9,299.00 | $664,700 Land $322,400 Building $342,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 496 Park St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 496 Park St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Also Mapped Here | WILMINGTON WATER DEPT |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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